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In Response To:
Thread Starter: edAudit
Title: Re: Withdrawn loan applications

(e) Withdrawal of approved application. When an applicant submits an application and the parties contemplate that the applicant will inquire about its status, if the creditor approves the application and the applicant has not inquired within 30 days after applying, the creditor may treat the application as withdrawn and need not comply with paragraph (a)(1) of this section

you only need to do it when "the parties contemplate that the applicant will inquire about its status"